UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 13F
FORM 13F COVER PAGE
REPORT FOR THE CALENDAR YEAR OR QUARTER ENDED: 9/29/00
CHECK HERE IF AMENDMENT ( ); AMENDMENT NUMBER:
THIS AMENDMENT (CHECK ONLY ONE.): ( ) IS A RESTATEMENT.
( ) ADDS NEW HOLDINGS ENTRIES
INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT:
NAME: One Valley Bank
ADDRESS: One Valley Square
PO Box 1793
Charleston, WV 25326
THE INSTITUTIONAL INVESTMENT MANAGER FILING THIS REPORT AND THE
PERSON BY WHOM IT IS SIGNED HEREBY REPRESENT THAT THE PERSON
SIGNING THE REPORT IS AUTHORIZED TO SUBMIT IT, THAT ALL
INFORMATION CONTAINED HEREIN IS TRUE, CORRECT AND COMPLETE, AND
THAT IT IS UNDERSTOOD THAT ALL REQUIRED ITEMS, STATEMENTS
SCHEDULES, LISTS, AND TABLES, ARE CONSIDERED INTEGRAL PARTS OF
THIS FORM.
PERSON SIGNING THIS REPORT ON BEHALF OF REPORTING MANAGER:
NAME: Teresa Lightner
TITLE: Trust Operations Head
PHONE: (304)348-7211
SIGNATURE,PLACE,AND DATE OF SIGNING:
Teresa Lightner Charleston, WV 10/4/00
REPORT TYPE (CHECK ONLY ONE.):
( X) 13F HOLDINGS REPORT
( ) 13F NOTICE
( ) 13F COMBINATION REPORT
LIST OF OTHER MANAGERS REPORTING FOR THIS MANAGER:
NONE
I AM SIGNING THIS REPORT AS REQUIRED BY THE SECURITIES EXCHANGE ACT OF 1934.
<PAGE>
FORM 13F SUMMARY PAGE
REPORT SUMMARY:
NUMBER OF OTHER INCLUDED MANAGERS: 0
FORM 13F INFORMATION TABLE ENTRY TOTAL: 1052
FORM 13F INFORMATION TABLE VALUE TOTAL: $711,725
<PAGE>
<TABLE> <C> <C>
FORM 13F INFORMATION TABLE
VALUE SHARES/ SH/ PUT/ INVSTMT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (X1000) PRN AMT PRN CALL DSCRETN MANAGERS SOLE SHARED NONE
------------------------------ ---------------- --------- -------- -------- --- ---- ------- ------------ -------- -------- --------
A T&T COMMON STOCK 001957109 4094 139371 SH DEFINED 122771 30 16570
A T&T COMMON STOCK 001957109 184 6255 SH OTHER 5505 0 750
ABBOTT LABORATORIES COMMON STOCK 002824100 2344 49273 SH DEFINED 36653 0 12620
ABERCROMBIE & FITCH CO COMMON STOCK 002896207 4 190 SH DEFINED 190 0 0
ACE LTD COMMON STOCK G0070K103 88 2250 SH DEFINED 0 0 2250
ACNIELSEN CORP COMMON STOCK 004833109 38 1600 SH DEFINED 1600 0 0
ACT MFG INC COMMON STOCK 000973107 173 3275 SH DEFINED 3275 0 0
ACTUANT CORP CL A COMMON STOCK 00508X104 1 350 SH DEFINED 350 0 0
ADAMS EXPRESS CO COMMON STOCK 006212104 77 2000 SH DEFINED 2000 0 0
ADC TELECOMMUNICATIONS INC COMMON STOCK 000886101 130 4850 SH DEFINED 3850 0 1000
ADOBE SYS INC COMMON STOCK 00724F101 93 600 SH DEFINED 0 0 600
ADVANCED MICRO DEVICES COMMON STOCK 007903107 118 5000 SH DEFINED 0 0 5000
AETNA INC COMMON STOCK 008117103 20 350 SH DEFINED 350 0 0
AFFYMETRIX INC COMMON STOCK 00826T108 219 4400 SH DEFINED 4400 0 0
AFLAC INC COMMON STOCK 001055102 195 3050 SH DEFINED 950 100 2000
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 710 14508 SH DEFINED 7683 0 6825
AGILENT TECHNOLOGIES INC COMMON STOCK 00846U101 1 26 SH OTHER 26 0 0
AGL RES INC COMMON STOCK 001204106 71 3550 SH DEFINED 3550 0 0
AGRIUM INC COMMON STOCK 008916108 55 5355 SH DEFINED 0 0 5355
AIR PRODUCTS & CHEMICAL COMMON STOCK 009158106 184 5100 SH DEFINED 1200 0 3900
AK STL HLDG CORP COMMON STOCK 001547108 1 95 SH DEFINED 95 0 0
AKAMAI TECHNOLOGIES INC COMMON STOCK 00971T101 1 25 SH DEFINED 0 25 0
ALBANY INTL CORP NEW COMMON STOCK 012348108 47 3955 SH DEFINED 3955 0 0
ALBERTSONS COMMON STOCK 013104104 185 8801 SH DEFINED 8801 0 0
ALBERTSONS COMMON STOCK 013104104 63 3000 SH OTHER 3000 0 0
ALCOA, INC. COMMON STOCK 013817101 247 9764 SH DEFINED 0 120 9644
ALLEGHENY ENERGY COMMON STOCK 017361106 3395 88912 SH DEFINED 88312 0 600
ALLEGHENY ENERGY COMMON STOCK 017361106 36 950 SH OTHER 950 0 0
ALLETE COMMON STOCK 018522102 44 2000 SH DEFINED 2000 0 0
ALLIANCE CAP MGMT HLDG LP UNIT COMMON STOCK 01855A101 556 11100 SH DEFINED 11100 0 0
ALLSTATE CORP COMMON STOCK 020002101 485 13956 SH DEFINED 11056 0 2900
ALLTEL CORP COMMON STOCK 020039103 20 388 SH DEFINED 388 0 0
ALLTEL CORP COMMON STOCK 020039103 16 300 SH OTHER 300 0 0
ALTEON WEBSYSTEMS INC COMMON STOCK 02145A109 260 2400 SH DEFINED 2400 0 0
ALTERA CORP COMMON STOCK 021441100 141 2960 SH DEFINED 0 0 2960
ALZA CORP COMMON STOCK 022615108 61 700 SH DEFINED 0 0 700
AMAZON COM INC COMMON STOCK 023135106 19 500 SH DEFINED 200 0 300
AMB PPTY CORP COMMON STOCK 00163T109 136 5525 SH DEFINED 5525 0 0
AMERADA HESS CORP COMMON STOCK 023551104 7 100 SH DEFINED 100 0 0
AMEREN CORP COM COMMON STOCK 023608102 777 18545 SH DEFINED 18445 0 100
AMEREN CORP COM COMMON STOCK 023608102 10 250 SH OTHER 250 0 0
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 2681 49870 SH DEFINED 37065 132 12673
AMERICA ONLINE INC DEL COMMON STOCK 02364J104 5 100 SH OTHER 100 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 1739 44449 SH DEFINED 44449 0 0
AMERICAN ELECTR PWR CO INC COM COMMON STOCK 025537101 30 773 SH OTHER 773 0 0
AMERICAN EXPRESS CO COM STK* COMMON STOCK 025816109 2210 36381 SH DEFINED 31931 0 4450
AMERICAN GENERAL CORPORATION COMMON STOCK 026351106 566 7252 SH DEFINED 1527 0 5725
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 5035 89012 SH DEFINED 84128 274 4610
AMERICAN HOME PRODUCTS CORP CA COMMON STOCK 026609107 54 960 SH OTHER 0 0 960
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 3039 31757 SH DEFINED 16785 330 14642
AMERICAN INTERNATIONAL GROUP* COMMON STOCK 026874107 10 105 SH OTHER 105 0 0
AMERICAN ISRAELI PAPER MLS LTD COMMON STOCK 027069509 6 95 SH DEFINED 95 0 0
AMERICAN MORTGAGE ACCEPTANCE C COMMON STOCK 027568104 15 1740 SH DEFINED 1740 0 0
AMERICAN PAC CORP COMMON STOCK 028740108 31 5001 SH DEFINED 0 0 5001
AMERICAN STD COS INC DEL COMMON STOCK 029712106 222 5000 SH DEFINED 1000 0 4000
AMERICAN SYS WTR CO COM COMMON STOCK 029899101 88 2900 SH DEFINED 2900 0 0
AMERICAN WATER WORKS CO INC* COMMON STOCK 030411102 811 29420 SH DEFINED 29420 0 0
AMERICAN WOODMARK CORP COMMON STOCK 030506109 75 3800 SH DEFINED 3800 0 0
AMGEN INC COMMON STOCK 031162100 1315 18830 SH DEFINED 18105 300 425
AMGEN INC COMMON STOCK 031162100 7 100 SH OTHER 100 0 0
AMLI RESIDENTIAL PPTYS TR COMMON STOCK 001735109 111 4609 SH DEFINED 4609 0 0
AMR CORP DEL COMMON STOCK 001765106 91 2770 SH DEFINED 0 70 2700
ANADARKO PETE CORP COMMON STOCK 032511107 362 5442 SH DEFINED 5242 110 90
ANALOG DEVICES INC COMMON STOCK 032654105 933 11300 SH DEFINED 11300 0 0
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 57 1358 SH DEFINED 1358 0 0
ANHEUSER-BUSCH INC COM STK* COMMON STOCK 035229103 17 400 SH OTHER 400 0 0
ANTEC CORP COMMON STOCK 03664P105 15 500 SH DEFINED 500 0 0
AON CORP COMMON STOCK 037389103 1642 41845 SH DEFINED 41845 0 0
APARTMENT INVT & MGMT CO COMMON STOCK 03748R101 115 2500 SH DEFINED 2500 0 0
APOGEE ENTERPRISES INC COMMON STOCK 037598109 74 13000 SH DEFINED 13000 0 0
APPLE COMPUTER INC* COMMON STOCK 037833100 52 2000 SH DEFINED 1000 0 1000
APPLICA INC COMMON STOCK 03815A106 10 1600 SH DEFINED 1600 0 0
APPLIED MATLS INC COMMON STOCK 038222105 277 4672 SH DEFINED 1832 0 2840
APPLIED MICRO CIRCUITS CORP COMMON STOCK 03822W109 1739 8400 SH DEFINED 7800 0 600
APW LTD COMMON STOCK G04397108 144 2950 SH DEFINED 2950 0 0
ARCH COAL INC. COM COMMON STOCK 039380100 5 476 SH DEFINED 476 0 0
ARCHER DANIEL MIDLAND COMMON STOCK 039483102 46 5278 SH DEFINED 5278 0 0
ARCHSTONE CMNTYS TR SH BEN INT COMMON STOCK 039581103 17 700 SH DEFINED 0 0 700
ARIBA INC COMMON STOCK 04033V104 716 5000 SH DEFINED 5000 0 0
ARMSTRONG HOLDINGS INC COMMON STOCK 042384107 5 400 SH DEFINED 400 0 0
ARTESYN TECHNOLOGIES INC COMMON STOCK 043127109 135 4625 SH DEFINED 4625 0 0
ARVINMERITOR INC COMMON STOCK 043353101 40 2692 SH DEFINED 2692 0 0
ASHLAND INC COMMON STOCK 044204105 129 3842 SH DEFINED 3842 0 0
ASIA TIGERS FD INC COMMON STOCK 04516T105 8 1000 SH DEFINED 0 0 1000
ASPECT COMMUNICATIONS CORP COMMON STOCK 04523Q102 289 14000 SH DEFINED 14000 0 0
ASSOCIATES FIRST CAP CORP COMMON STOCK 046008108 130 3408 SH DEFINED 3408 0 0
AT & T CORP LIBERTY MEDIA COMMON STOCK 001957208 7 390 SH DEFINED 0 390 0
AT HOME CORP COMMON STOCK 045919107 7 512 SH DEFINED 312 0 200
ATCHISON CASTING CORP COMMON STOCK 046613105 13 3300 SH DEFINED 3300 0 0
ATRION CORP COMMON STOCK 049904105 50 4044 SH DEFINED 4044 0 0
AUTODESK INC COMMON STOCK 052769106 25 1000 SH DEFINED 1000 0 0
AUTOLIV INC COMMON STOCK 052800109 49 2506 SH DEFINED 136 0 2370
AUTOMATIC DATA PROCESSING COMMON STOCK 053015103 1758 26295 SH DEFINED 23595 0 2700
AVALONBAY CMNTYS INC COMMON STOCK 053484101 126 2650 SH DEFINED 2500 0 150
AVANEX CORP COMMON STOCK 05348W109 11 100 SH DEFINED 0 0 100
AVIALL INC NEW COMMON STOCK 05366B102 3 511 SH DEFINED 511 0 0
AVID TECHNOLOGY INC COMMON STOCK 05367P100 39 2750 SH DEFINED 2750 0 0
AVISTA CORP COMMON STOCK 05379B107 270 12011 SH DEFINED 11511 0 500
AVON PRODS INC COMMON STOCK 054303102 325 7955 SH DEFINED 3390 65 4500
AXA FINL INC COM COMMON STOCK 002451102 20 396 SH DEFINED 396 0 0
AXA FINL INC COM COMMON STOCK 002451102 3 54 SH OTHER 54 0 0
BACOU USA INC COMMON STOCK 056439102 86 3300 SH DEFINED 3300 0 0
BALDWIN TECHNOLOGY INC COMMON STOCK 058264102 19 10300 SH DEFINED 10300 0 0
BALLANTYNE OMAHA INC COMMON STOCK 058516105 1 1000 SH DEFINED 1000 0 0
BANK OF AMERICA CORP COMMON STOCK 060505104 1312 25047 SH DEFINED 15932 0 9115
BANK OF NEW YORK COMMON STOCK 064057102 994 17732 SH DEFINED 17732 0 0
BANK ONE CORP COM COMMON STOCK 06423A103 3154 81645 SH DEFINED 72742 0 8903
BANK ONE CORP COM COMMON STOCK 06423A103 487 12614 SH OTHER 0 12614 0
BANKNORTH GROUP INC NEW COMMON STOCK 06646R107 33 1825 SH DEFINED 1825 0 0
BARNETT INC COMMON STOCK 068062108 26 2000 SH DEFINED 2000 0 0
BARRICK GOLD CORP COMMON STOCK 067901108 33 2170 SH DEFINED 0 0 2170
BATTLE MOUNTAIN GOLD COMMON COMMON STOCK 071593107 1 450 SH DEFINED 450 0 0
BAXTER INT'L INC COM COMMON STOCK 071813109 778 9743 SH DEFINED 9594 149 0
BB & T CORP COMMON STOCK 054937107 181113 6012053 SH DEFINED 4249070 1760423 2560
BB & T CORP COMMON STOCK 054937107 652 21631 SH OTHER 16226 0 5405
BCE INC COMMON STOCK 05534B109 14 600 SH DEFINED 600 0 0
BEAR STEARNS COS INC COMMON STOCK 073902108 40 636 SH DEFINED 636 0 0
BECTON DICKINSON COMMON STOCK 075887109 249 9430 SH DEFINED 7000 130 2300
BELL MICROPRODUCTS INC COMMON STOCK 078137106 123 3925 SH DEFINED 3925 0 0
BELLSOUTH COMMON STOCK 079860102 6901 171463 SH DEFINED 163231 0 8232
BELLSOUTH COMMON STOCK 079860102 123 3064 SH OTHER 3064 0 0
BENCHMARK ELECTRS INC COMMON STOCK 08160H101 62 1200 SH DEFINED 1200 0 0
BERGIN BRUNSWIG COMMON STOCK 083739102 24 2050 SH DEFINED 2050 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670108 64 1 SH DEFINED 1 0 0
BERKSHIRE HATHAWAY INC DEL COMMON STOCK 084670207 168 81 SH DEFINED 55 0 26
BESTFOODS COM STK* COMMON STOCK 08658U101 74 1015 SH DEFINED 900 115 0
BESTFOODS COM STK* COMMON STOCK 08658U101 58 800 SH OTHER 800 0 0
BETHLEHEM STL CORP COMMON STOCK 087509105 1 200 SH DEFINED 200 0 0
BHA GROUP HLDGS INC COMMON STOCK 055446108 47 3300 SH DEFINED 3300 0 0
BHC COMMUNICATIONS INC COMMON STOCK 055448104 14 92 SH DEFINED 92 0 0
BINDVIEW DEV CORP COMMON STOCK 090327107 1 140 SH DEFINED 0 0 140
BIOMATRIX INC COMMON STOCK 09060P102 4 200 SH DEFINED 200 0 0
BIOTECH HOLDERS TR COMMON STOCK 09067D201 2258 11585 SH DEFINED 11585 0 0
BKF CAP GROUP INC COMMON STOCK 05548G102 7 375 SH DEFINED 375 0 0
BLACK & DECKER CORP COMMON STOCK 091797100 7 200 SH DEFINED 200 0 0
BLACK HILLS CORP COMMON STOCK 092113109 54 1923 SH DEFINED 1923 0 0
BLAIR CORP COMMON STOCK 092828102 120 5100 SH DEFINED 5100 0 0
BOB EVANS FARMS COMMON STOCK 096761101 19 1000 SH DEFINED 1000 0 0
BOEING CO CAP STK* COMMON STOCK 097023105 644 10227 SH DEFINED 5468 129 4630
BOEING CO CAP STK* COMMON STOCK 097023105 25 400 SH OTHER 400 0 0
BOSTON PPTYS INC COMMON STOCK 101121101 132 3080 SH DEFINED 3080 0 0
BOYKIN LODGING CO COMMON STOCK 103430104 111 10725 SH DEFINED 10725 0 0
BRAZIL FD INC COMMON STOCK 105759104 17 1000 SH DEFINED 1000 0 0
BRE PPTYS INC COMMON STOCK 05564E106 129 4028 SH DEFINED 4028 0 0
BRIGGS & STRATTON CORP COMMON STOCK 109043109 30 800 SH DEFINED 800 0 0
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 12331 215855 SH DEFINED 200764 90 15001
BRISTOL MYERS SQUIBB CO COMMON STOCK 110122108 246 4300 SH OTHER 4300 0 0
BROADCOM CORP COMMON STOCK 111320107 702 2880 SH DEFINED 2850 0 30
BROADVISION INC COMMON STOCK 111412102 64 2500 SH DEFINED 0 0 2500
BROADWING INC. COMMON STOCK 111620100 170 6634 SH DEFINED 6634 0 0
BRUSH ENGINEERED MATERIALS INC COMMON STOCK 117421107 216 10000 SH DEFINED 10000 0 0
BURLINGTON NORTHN SANTA FE COR COMMON STOCK 12189T104 960 44528 SH DEFINED 36358 70 8100
BURLINGTON RESOURCES COMMON STOCK 122014103 818 22230 SH DEFINED 17730 0 4500
BUSH INDS INC COMMON STOCK 123164105 45 3900 SH DEFINED 3900 0 0
C & D TECHNOLOGIES INC COMMON STOCK 124661109 210 3700 SH DEFINED 3700 0 0
C P&L ENERGY INC COMMON STOCK 12614C106 241 5773 SH DEFINED 5698 75 0
C P&L ENERGY INC COMMON STOCK 12614C106 42 1000 SH OTHER 0 0 1000
C-CUBE MICROSYSTEMS INC NEW COMMON STOCK 12501N108 41 2010 SH DEFINED 1910 0 100
CABLEVISION SYS CORP COMMON STOCK 12686C109 312 4700 SH DEFINED 4700 0 0
CACHEFLOW INC COMMON STOCK 126946102 236 1650 SH DEFINED 1650 0 0
CADMUS COMMUNICATIONS CORP COMMON STOCK 127587103 28 3500 SH DEFINED 3500 0 0
CALLAWAY GOLF CO COMMON STOCK 131193104 6 400 SH DEFINED 400 0 0
CAMDEN PPTY TR COMMON STOCK 133131102 93 3000 SH DEFINED 3000 0 0
CAPITAL ONE FINL CORP COMMON STOCK 14040H105 203 2900 SH DEFINED 300 0 2600
CARDINAL HEALTH INC COMMON STOCK 14149Y108 206 2334 SH DEFINED 2334 0 0
CARLISLE COS INC COMMON STOCK 142339100 187 4500 SH DEFINED 4500 0 0
CARLISLE HOLDINGS LTD. COMMON STOCK P21277101 12 1500 SH DEFINED 1500 0 0
CARNIVAL CRUISE LINES INC COMMON STOCK 143658102 89 3611 SH DEFINED 3611 0 0
CARRAMERICA RLTY CORP COMMON STOCK 144418100 106 3500 SH DEFINED 3500 0 0
CARTER WALLACE INC COMMON STOCK 146285101 24 1000 SH DEFINED 0 0 1000
CATELLUS DEV CORP COMMON STOCK 149111106 1 36 SH DEFINED 36 0 0
CATERPILLAR INC. COMMON STOCK 149123101 243 7205 SH DEFINED 3130 125 3950
CBRL GROUP, INC. COM COMMON STOCK 12489V106 24 1687 SH DEFINED 1687 0 0
CELANESE AG COMMON STOCK D1497A101 3 200 SH DEFINED 200 0 0
CELESTICA INC COMMON STOCK 15101Q108 41 585 SH DEFINED 585 0 0
CELGENE CORP COMMON STOCK 151020104 36 600 SH DEFINED 600 0 0
CENDANT CORP COMMON STOCK 151313103 1 100 SH DEFINED 0 0 100
CENTRYTEL, INC. COMMON STOCK 156700106 125 4600 SH DEFINED 0 0 4600
CFW COMMUNICATIONS CO COMMON STOCK 124923103 81 3000 SH DEFINED 3000 0 0
CHAMPION INDS INC COMMON STOCK 158520106 7 2439 SH DEFINED 2439 0 0
CHANNELL COML CORP COMMON STOCK 159186105 13 1000 SH DEFINED 1000 0 0
CHASE MANHATTAN CORP NEW COMMON STOCK 16161A108 1120 24256 SH DEFINED 11434 45 12777
CHATEAU CMNTYS INC COMMON STOCK 161726104 12 450 SH DEFINED 450 0 0
CHECK POINT SOFTW TECH COMMON STOCK M22465104 2161 13720 SH DEFINED 13720 0 0
CHEVRON COMMON STOCK 166751107 1328 15577 SH DEFINED 11297 0 4280
CHEVRON COMMON STOCK 166751107 165 1932 SH OTHER 1932 0 0
CHIRON CORP COMMON STOCK 170040109 36 800 SH DEFINED 800 0 0
CHUBB CORP COMMON STOCK 171232101 73 925 SH DEFINED 925 0 0
CIENA CORP COMMON STOCK 171779101 2911 23700 SH DEFINED 21700 0 2000
CIGNA CORP COMMON STOCK 125509109 151 1450 SH DEFINED 1450 0 0
CINCINNATI FINANCIAL CORP COMMON STOCK 172062101 18 504 SH DEFINED 504 0 0
CINERGY CORP COMMON STOCK 172474108 126 3808 SH DEFINED 3808 0 0
CINTAS CORP COMMON STOCK 172908105 242 5550 SH DEFINED 0 0 5550
CIPRICO INC COMMON STOCK 172529109 5 450 SH DEFINED 450 0 0
CIRCUIT CITY STORES COMMON STOCK 172737108 113 4900 SH DEFINED 400 0 4500
CISCO SYS INC COMMON STOCK 17275R102 9304 168397 SH DEFINED 136510 708 31179
CISCO SYS INC COMMON STOCK 17275R102 33 600 SH OTHER 200 0 400
CITIGROUP INC COMMON STOCK 172967101 6554 121224 SH DEFINED 92213 679 28332
CITY HOLDING COMMON STOCK 177835105 1187 165122 SH DEFINED 48504 0 116618
CLEAR CHANNEL COMMUNICATIONS I COMMON STOCK 184502102 25 435 SH DEFINED 0 0 435
CLEARWORKS NET INC COMMON STOCK 185395100 2 500 SH DEFINED 0 0 500
CLECO CORP NEW COM COMMON STOCK 12561W105 36 768 SH DEFINED 0 0 768
CLOROX CO COMMON STOCK 189054109 218 5500 SH DEFINED 2300 0 3200
CMGI INC. COMMON STOCK 125750109 106 3787 SH DEFINED 3482 0 305
CNET NETWORKS INC COM STK COMMON STOCK 12613R104 144 5900 SH DEFINED 4600 0 1300
COASTAL CORP COMMON STOCK 190441105 518 6984 SH DEFINED 1784 0 5200
COASTCAST CORP COMMON STOCK 19057T108 4 250 SH DEFINED 250 0 0
COCA COLA BOTTLING CO CONS COMMON STOCK 191098102 17 400 SH DEFINED 400 0 0
COCA-COLA CO COM STK* COMMON STOCK 191216100 7294 132325 SH DEFINED 130290 0 2035
COLD METAL PRODS INC COMMON STOCK 192861102 11 4500 SH DEFINED 4500 0 0
COLGATE-PALMOLIVE CO COM STK COMMON STOCK 194162103 443 9382 SH DEFINED 7335 277 1770
COLONIAL PPTYS TR COMMON STOCK 195872106 103 4000 SH DEFINED 4000 0 0
COLUMBIA ENERGY GROUP COMMON STOCK 197648108 603 8498 SH DEFINED 8498 0 0
COLUMBUS MCKINNON CORP N Y COMMON STOCK 199333105 85 6300 SH DEFINED 6300 0 0
COMCAST CORP CL A COMMON STOCK 200300101 33 800 SH DEFINED 800 0 0
COMERICA INC COMMON STOCK 200340107 47 800 SH DEFINED 0 0 800
COMMERCE BANCSHARES INC COMMON STOCK 200525103 37 1006 SH DEFINED 0 0 1006
COMMERCE ONE INC DEL COMMON STOCK 200693109 4 50 SH DEFINED 50 0 0
COMMUNITY TR BANCORP INC COMMON STOCK 204149108 47 2994 SH DEFINED 2994 0 0
COMPAQ COMPUTER COMMON STOCK 204493100 442 16025 SH DEFINED 3200 425 12400
COMPASS BANCSHARES INC COMMON STOCK 20449H109 315 16150 SH DEFINED 16150 0 0
COMPUTER ASSOCIATES COMMON STOCK 204912109 289 11485 SH DEFINED 4165 135 7185
COMPUTER SCIENCE COMMON STOCK 205363104 3187 42920 SH DEFINED 38770 330 3820
COMPUTER SCIENCE COMMON STOCK 205363104 7 100 SH OTHER 100 0 0
COMPUWARE CORP COMMON STOCK 205638109 87 10350 SH DEFINED 0 0 10350
CONAGRA, INC. COMMON STOCK 205887102 108 5400 SH DEFINED 0 0 5400
CONECTIV INC COMMON STOCK 206829103 52 2925 SH DEFINED 2925 0 0
CONECTIV INC COMMON STOCK 206829202 3 187 SH DEFINED 187 0 0
CONEXANT SYS INC COMMON STOCK 207142100 547 13072 SH DEFINED 12572 0 500
CONEXANT SYS INC COMMON STOCK 207142100 126 3000 SH OTHER 3000 0 0
CONOCO INC COMMON STOCK 208251306 112 4300 SH DEFINED 0 0 4300
CONOCO INC COMMON STOCK 208251405 159 5908 SH DEFINED 728 0 5180
CONSECO INC COMMON STOCK 208464107 8 1100 SH DEFINED 1000 0 100
CONSOLIDATED EDISON INC. COM COMMON STOCK 209115104 161 4704 SH DEFINED 4704 0 0
CONSOLIDATED TOMOKA LD CO COMMON STOCK 210226106 4 289 SH DEFINED 289 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 134 2696 SH DEFINED 2696 0 0
CONSTELLATION ENERGY GROUP COMMON STOCK 210371100 19 373 SH OTHER 373 0 0
CONVERGYS CORP COMMON STOCK 212485106 111 2850 SH DEFINED 2850 0 0
COOPER INDUSTRIES* COMMON STOCK 216669101 20 560 SH DEFINED 560 0 0
COOPER TIRE & RUBR CO COMMON STOCK 216831107 20 2000 SH DEFINED 2000 0 0
COPPER MTN NETWORKS INC COMMON STOCK 217510106 1 37 SH DEFINED 0 0 37
CORN PRODS INTL INC COMMON STOCK 219023108 2 100 SH OTHER 100 0 0
CORNING INC COMMON STOCK 219350105 4370 14715 SH DEFINED 13555 120 1040
CORNING INC COMMON STOCK 219350105 21 70 SH OTHER 70 0 0
COSTCO WHOLESALE CORPORATION COMMON STOCK 22160K105 43 1225 SH DEFINED 0 0 1225
COTTON STS LIFE & HEALTH INS C COMMON STOCK 221774102 30 3250 SH DEFINED 3250 0 0
COUNTRYWIDE CR INDS INC COMMON STOCK 222372104 123 3260 SH DEFINED 0 60 3200
COX COMMUNICATIONS INC NEW COMMON STOCK 224044107 515 13476 SH DEFINED 13476 0 0
CRANE CO COMMON STOCK 224399105 43 1900 SH DEFINED 1900 0 0
CREDENCE SYS CORP DEL COMMON STOCK 225302108 18 600 SH DEFINED 600 0 0
CREE INC COMMON STOCK 225447101 8 65 SH DEFINED 0 0 65
CRESTLINE CAP CORP COMMON STOCK 226153104 14 700 SH DEFINED 700 0 0
CROSSROADS SYS INC COMMON STOCK 22765D100 26 3000 SH DEFINED 0 0 3000
CROWN ANDERSEN INC COMMON STOCK 228190104 4 1000 SH DEFINED 0 0 1000
CROWN CORK & SEAL INC COMMON STOCK 228255105 329 30800 SH DEFINED 30800 0 0
CSS INDS INC COMMON STOCK 125906107 98 4900 SH DEFINED 4900 0 0
CSX CORPORATION* COMMON STOCK 126408103 539 24705 SH DEFINED 23445 0 1260
CSX CORPORATION* COMMON STOCK 126408103 20 904 SH OTHER 904 0 0
CVS CORP* COMMON STOCK 126650100 1034 22330 SH DEFINED 10700 310 11320
CYBER-CARE INC. COMMON STOCK 23243T105 6 1000 SH DEFINED 0 0 1000
CYGNUS INC COMMON STOCK 232560102 22 2000 SH DEFINED 1000 0 1000
CYPRESS SEMICONDUCTOR CORP COMMON STOCK 232806109 4 100 SH DEFINED 0 0 100
CYTEC INDS INC COMMON STOCK 232820100 34 1026 SH DEFINED 1026 0 0
DANA CORP COMMON STOCK 235811106 58 2700 SH DEFINED 2700 0 0
DANAHER CORP COMMON STOCK 235851102 80 1600 SH DEFINED 0 0 1600
DARDEN RESTAURANTS INC COMMON STOCK 237194105 17 800 SH DEFINED 800 0 0
DAYTON POWER/DPL COMMON STOCK 233293109 10 337 SH DEFINED 337 0 0
DEERE & CO COMMON STOCK 244199105 112 3380 SH DEFINED 0 0 3380
DEL GLOBAL TECHNOLOGIES CORP COMMON STOCK 245073101 36 3600 SH DEFINED 3600 0 0
DELL COMPUTER CORP COMMON STOCK 247025109 534 17315 SH DEFINED 12610 105 4600
DELPHI AUTOMOTIVE SYS CORP COMMON STOCK 247126105 99 6526 SH DEFINED 6373 0 153
DELTA AIR LINES INC DEL COMMON STOCK 247361108 53 1200 SH DEFINED 1200 0 0
DELTIC TIMBER CORP COMMON STOCK 247850100 62 3676 SH DEFINED 3676 0 0
DEVELOPERS DIVERSIFIED RLTY CO COMMON STOCK 251591103 93 7260 SH DEFINED 7000 0 260
DEVON ENERGY CORPORATIOIN NEW COMMON STOCK 25179M103 10 172 SH DEFINED 172 0 0
DIAL CORP NEW COMMON STOCK 25247D101 28 2430 SH DEFINED 2430 0 0
DIAL CORP NEW COMMON STOCK 25247D101 1 50 SH OTHER 50 0 0
DIVERSA CORP COMMON STOCK 255064107 8 300 SH DEFINED 0 0 300
DOLE FOOD INC COMMON STOCK 256605106 6 400 SH DEFINED 400 0 0
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HERSHEY FOODS CORP COM STK* COMMON STOCK 427866108 54 1000 SH DEFINED 1000 0 0
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</TABLE>
